Stanford Federal Credit Union

Overview / Commentary
1860 Embarcadero Rd
Palo Alto, CA 94303

Stanford Federal Credit Union is headquartered in Palo Alto and is the 18th largest credit union in the state of California. It is also the 105th largest credit union in the nation. It was established in 1959 and as of June of 2023, it had grown to 244 employees and 86,991 members at 6 locations. Stanford Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details

Reviews (4)

Excellent local credit union for Stanford-affiliated individuals

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Stanford Federal Credit Union (SFCU) has generally exceeded my expectations. I have a checking account there and they do not charge a fee for such accounts, nor do they have monetary minimums below which they will charge a fee. Additionally, they have excellent customer service. In the past when I have had my debit card number compromised, they were very helpful both in accurately spotting the fraud and in giving me a new card very quickly. Additionally, use of ATMs with my credit union debit card is fairly easy, since any major credit union ATM works. I have also deposited money in their CDs before and they usually offer above-market rate interest returns and are very easy to sign up for and to know when the CD time period has expired.

Don't Kick The Puppy While It's Yelping SFCU.

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"I've learned people will forget what you said, people will forget what you did, but people will never forget how you made them feel." - It's been a sour and disappointing experience. Life happens, unpredictable and without warning chaos insues. It happens, just like those random bad days we all have. It's tough out here and I know I'm difficult to deal with cause I'm always learning and my brain operates differently placing me on the spectrum(which I never disclose). But I have never had someone go out of their way just to try and make me feel stupid and incompetent than one particular woman represenative who I won't name. Baffling that Standford Federal Credit allows employees to carry themselves and speak in anyway other than professionally and with common respect for all intelligent beings. Expected to recieve a more refined experience from such an establishment as this. Maybe she represents her company correctly lacking good character, strong morals and deep rooted values. It's super easy and way cool to be nice others. Best practices for sure and humility will take you further than hurtful comments.

Stay Away From The Elitist Credit Union

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Really bad and extremely RUDE customer service and pretty elitist and discriminatory, lying credit union. I do not think I have ever experienced such an arrogant and very rude customer service (essentially with agents laughing at you). When they will need funds to survive the very steep financial crisis is coming they will regret turning away potential investors. It seems they only cater to rich people and Stanford. They will look into to your credit record as they are looking only for very rich people. This credit union is a disgrace. So better stay away because they may not stay afloat for too long.

Poor Customer Service, Harsh Early Withdrawal Penalty

Posted by: |

You'd think a credit union located on campus at Stanford would be great.  But no.  Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice.  Staff is frumpy and don't seem to care.   If their app fails, they just shrug it off - try it tomorrow.   Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen.  A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012).    Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.


Health Grade Components

NCUA #13392
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD10.8%
Annual Interest Income$78.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$4.11B$3.94B
LoansQ2 2023vs Q2 2022$3.16B$2.79B
DepositsQ2 2023vs Q2 2022$3.06B$3.05B
Equity CapitalQ2 2023vs Q2 2022$374.6MM$342.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$21.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.6MM$403.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for Stanford Federal Credit Union are currently being reviewed.


Stanford Federal Credit Union Locations
Branch Office1860 Embarcadero RdPalo Alto, CA 94303-3335
Branch Office525 University AvePalo Alto, CA 94301
Branch Office300 Pasteur DrStanford, CA 94305
Branch Office694 Pampas LnStanford, CA 94305
Branch Office459 Lagunita DrStanford, CA 94305
Branch Office905 Barron AvenueRedwood City, CA 94063

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